Reliance Insurance Company Limited (PSX:RICL)

PSX:RICL Statistics

Total Valuation

PSX:RICL has a market cap or net worth of PKR 1.54 billion. The enterprise value is 1.30 billion.

Market Cap	1.54B
Enterprise Value	1.30B

Important Dates

The next estimated earnings date is Friday, August 28, 2026.

Earnings Date	Aug 28, 2026
Ex-Dividend Date	n/a

Share Statistics

PSX:RICL has 130.61 million shares outstanding.

Current Share Class	130.61M
Shares Outstanding	130.61M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	28.61%
Owned by Institutions (%)	1.18%
Float	61.89M

Valuation Ratios

The trailing PE ratio is 3.58.

PE Ratio	3.58
Forward PE	n/a
PS Ratio	1.45
PB Ratio	0.74
P/TBV Ratio	0.74
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.97, with an EV/FCF ratio of -5.47.

EV / Earnings	3.02
EV / Sales	1.22
EV / EBITDA	2.97
EV / EBIT	3.12
EV / FCF	-5.47

Financial Position

The company has a current ratio of 1.88

Current Ratio	1.88
Quick Ratio	1.43
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 22.92% and return on invested capital (ROIC) is 19.95%.

Return on Equity (ROE)	22.92%
Return on Assets (ROA)	7.89%
Return on Invested Capital (ROIC)	19.95%
Return on Capital Employed (ROCE)	17.77%
Weighted Average Cost of Capital (WACC)	5.32%
Revenue Per Employee	5.60M
Profits Per Employee	2.27M
Employee Count	190
Asset Turnover	0.32
Inventory Turnover	n/a

Taxes

Income Tax	-11.55M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +46.09% in the last 52 weeks. The beta is 0.19, so PSX:RICL's price volatility has been lower than the market average.

Beta (5Y)	0.19
52-Week Price Change	+46.09%
50-Day Moving Average	13.02
200-Day Moving Average	12.73
Relative Strength Index (RSI)	35.88
Average Volume (20 Days)	43,658

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PSX:RICL had revenue of PKR 1.06 billion and earned 430.83 million in profits. Earnings per share was 3.30.

Revenue	1.06B
Gross Profit	740.44M
Operating Income	416.30M
Pretax Income	419.28M
Net Income	430.83M
EBITDA	437.29M
EBIT	416.30M
Earnings Per Share (EPS)	3.30

Balance Sheet

The company has 983.98 million in cash and n/a in debt, with a net cash position of 241.63 million or 1.85 per share.

Cash & Cash Equivalents	983.98M
Total Debt	n/a
Net Cash	241.63M
Net Cash Per Share	1.85
Equity (Book Value)	2.09B
Book Value Per Share	16.01
Working Capital	1.15B

Cash Flow

In the last 12 months, operating cash flow was -192.61 million and capital expenditures -44.83 million, giving a free cash flow of -237.44 million.

Operating Cash Flow	-192.61M
Capital Expenditures	-44.83M
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	-237.44M
FCF Per Share	-1.82

Margins

Gross margin is 69.58%, with operating and profit margins of 39.12% and 40.48%.

Gross Margin	69.58%
Operating Margin	39.12%
Pretax Margin	39.40%
Profit Margin	40.48%
EBITDA Margin	41.09%
EBIT Margin	39.12%
FCF Margin	n/a

Dividends & Yields

PSX:RICL does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	0.18%
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	27.95%
FCF Yield	-15.41%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 7, 2026. It was a forward split with a ratio of 1.3.

Last Split Date	Apr 7, 2026
Split Type	Forward
Split Ratio	1.3

Scores

Altman Z-Score	n/a
Piotroski F-Score	3